Registration No. 333-197771

 

 

 

SECURITIES AND EXCHANGE COMMISSION

 

Washington, D.C. 20549

 

 

 

FORM T-1

 

STATEMENT OF ELIGIBILITY

UNDER THE TRUST INDENTURE ACT OF 1939 OF A

CORPORATION DESIGNATED TO ACT AS TRUSTEE

 

 

 

x CHECK IF AN APPLICATION TO DETERMINE ELIGIBILITY OF A TRUSTEE PURSUANT TO SECTION 305(b) (2)

 

WELLS FARGO BANK, NATIONAL ASSOCIATION

(Exact name of trustee as specified in its charter)

 

A National Banking Association   94-1347393
(Jurisdiction of incorporation or   (I.R.S. Employer
organization if not a U.S. national   Identification No.)
bank)    
     
101 North Phillips Avenue    
Sioux Falls, South Dakota   57104
(Address of principal executive offices)   (Zip code)

 

Wells Fargo & Company

Law Department, Trust Section

MAC N9305-175

Sixth Street and Marquette Avenue, 17th Floor

Minneapolis, Minnesota 55479

(612) 667-4608

(Name, address and telephone number of agent for service)

 

 

 

First Financial Bancorp.

(Exact name of obligor as specified in its charter)

 

Ohio   31-1042001
(State or other jurisdiction of   (I.R.S. Employer
incorporation or organization)   Identification No.)
     
255 East Fifth Street, Suite 700    
Cincinnati, Ohio   45202
(Address of principal executive offices)   (Zip code)

 

 

Subordinated Debt Securities due 2025

(Title of the indenture securities)

 

 

 

 

 

 

Item 1.   General Information. Furnish the following information as to the trustee:

 

(a)Name and address of each examining or supervising authority to which it is subject.

 

Comptroller of the Currency

Treasury Department

Washington, D.C.

 

Federal Deposit Insurance Corporation

Washington, D.C.

 

Federal Reserve Bank of San Francisco

San Francisco, California 94120

 

(b)Whether it is authorized to exercise corporate trust powers.

 

The trustee is authorized to exercise corporate trust powers.

 

Item 2.   Affiliations with Obligor. If the obligor is an affiliate of the trustee, describe each such affiliation.

 

None with respect to the trustee.

 

No responses are included for Items 3-14 of this Form T-1 because the obligor is not in default as provided under Item 13.

 

Item 15.   Foreign Trustee.       Not applicable.

 

Item 16.   List of Exhibits.       List below all exhibits filed as a part of this Statement of Eligibility.

 

Exhibit 1.A copy of the Articles of Association of the trustee as now in effect.*

 

Exhibit 2.A copy of the Comptroller of the Currency Certificate of Corporate Existence for Wells Fargo Bank, National Association, dated January 14, 2015.*

 

Exhibit 3.A copy of the Comptroller of the Currency Certification of Fiduciary Powers for Wells Fargo Bank, National Association, dated January 6, 2014.*

 

Exhibit 4.Copy of By-laws of the trustee as now in effect.*

 

Exhibit 5.Not applicable.

 

Exhibit 6.The consent of the trustee required by Section 321(b) of the Act.

 

Exhibit 7.A copy of the latest report of condition of the trustee published pursuant to law or the requirements of its supervising or examining authority.

 

Exhibit 8.Not applicable.

 

Exhibit 9.Not applicable.

 

*     Incorporated by reference to the exhibit of the same number to the trustee’s Form T-1 filed as exhibit to the Filing 305B2 dated March 13, 2015 of Navient Funding, LLC and Navient Credit Funding, LLC, file number 333-190926.

 

 

 

 

SIGNATURE

 

Pursuant to the requirements of the Trust Indenture Act of 1939, as amended, the trustee, Wells Fargo Bank, National Association, a national banking association organized and existing under the laws of the United States of America, has duly caused this statement of eligibility to be signed on its behalf by the undersigned, thereunto duly authorized, all in the City of Chicago and State of Illinois on the 14th day of August 2015.

 

  WELLS FARGO BANK, NATIONAL ASSOCIATION
   
  /s/ Gregory S. Clarke
  Gregory S. Clarke
  Vice President

 

 

 

 

EXHIBIT 6

 

August 14, 2015

 

Securities and Exchange Commission

Washington, D.C. 20549

 

Gentlemen:

 

In accordance with Section 321(b) of the Trust Indenture Act of 1939, as amended, the undersigned hereby consents that reports of examination of the undersigned made by Federal, State, Territorial, or District authorities authorized to make such examination may be furnished by such authorities to the Securities and Exchange Commission upon its request therefor.

 

  Very truly yours,
   
  WELLS FARGO BANK, NATIONAL ASSOCIATION
   
  /s/ Gregory S. Clarke
  Gregory S. Clarke
  Vice President

 

 

 

 

Exhibit 7

Consolidated Report of Condition of

 

Wells Fargo Bank National Association

of 101 North Phillips Avenue, Sioux Falls, SD 57104

And Foreign and Domestic Subsidiaries,

at the close of business June 30, 2015, filed in accordance with 12 U.S.C. §161 for National Banks.

 

       Dollar Amounts 
       In Millions 
ASSETS          
Cash and balances due from depository institutions:          
Noninterest-bearing balances and currency and coin       $17,464 
Interest-bearing balances        189,787 
Securities:          
Held-to-maturity securities        80,102 
Available-for-sale securities        233,717 
Federal funds sold and securities purchased under agreements to resell:          
Federal funds sold in domestic offices        1,864 
Securities purchased under agreements to resell        18,746 
Loans and lease financing receivables:          
Loans and leases held for sale        20,241 
Loans and leases, net of unearned income   848,562      
LESS: Allowance for loan and lease losses   10,493      
Loans and leases, net of unearned income and allowance        838,069 
Trading Assets        39,221 
Premises and fixed assets (including capitalized leases)        7,527 
Other real estate owned        1,849 
Investments in unconsolidated subsidiaries and associated companies        855 
Direct and indirect investments in real estate ventures        0 
Intangible assets          
Goodwill        21,627 
Other intangible assets        17,894 
Other assets        64,908 
           
Total assets       $1,553,871 
           
LIABILITIES          
Deposits:          
In domestic offices       $1,086,292 
Noninterest-bearing   343,725      
Interest-bearing   742,567      
In foreign offices, Edge and Agreement subsidiaries, and IBFs        140,792 
Noninterest-bearing   669      
Interest-bearing   140,123      
Federal funds purchased and securities sold under agreements to repurchase:          
Federal funds purchased in domestic offices        594 
Securities sold under agreements to repurchase        19,806 

 

 

 

 

   Dollar Amounts 
   In Millions 
     
Trading liabilities   18,515 
Other borrowed money
(includes mortgage indebtedness and obligations under capitalized leases)
   89,743 
Subordinated notes and debentures   16,760 
Other liabilities   33,801 
      
Total liabilities  $1,406,303 
      
EQUITY CAPITAL     
Perpetual preferred stock and related surplus   0 
Common stock   519 
Surplus (exclude all surplus related to preferred stock)   106,692 
Retained earnings   36,940 
Accumulated other comprehensive income   2,986 
Other equity capital components   0 
      
Total bank equity capital   147,137 
Noncontrolling (minority) interests in consolidated subsidiaries   431 
      
Total equity capital   147,568 
      
Total liabilities, and equity capital  $1,553,871 

 

I, John R. Shrewsberry, Sr. EVP & CFO of the above-named bank do hereby declare that this Report of Condition has been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and is true to the best of my knowledge and belief.

 

  John R. Shrewsberry
  Sr. EVP & CFO

 

We, the undersigned directors, attest to the correctness of this Report of Condition and declare that it has been examined by us and to the best of our knowledge and belief has been prepared in conformance with the instructions issued by the appropriate Federal regulatory authority and is true and correct.

 

John Stumpf Directors  
James Quigley    
Enrique Hernandez, Jr.